Pengaruh Penggunaan QRIS sebagai Sistem Pembayaran Digital di Kalangan Mahasiswa D3 Keuangan Fakultas Vokasi Universitas Sumatera Utara

Abstract

This study aims to analyze the influence of QRIS usage as a digital payment system on the transaction behavior of students in the Diploma-III Finance Program at the Vocational Faculty of Universitas Sumatera Utara. The research background is based on the increasing adoption of digital payment systems among the younger generation and the government’s initiative to promote cashless transactions. This study uses a quantitative approach with simple linear regression and involves 57 respondents. The results show that QRIS usage has a significant influence on students’ digital payment behavior. These findings support the Technology Acceptance Model (TAM), which states that perceived ease of use and usefulness affect user behavior. Therefore, the use of QRIS encourages students to engage in more active, efficient, and secure digital transactions.